Clarke County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Clarke County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Clarke County, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Insights into Car Insurance Rates in Clarke County, AL

Clarke County, located in the heart of Alabama, has seen a dynamic car insurance industry with various competitors vying for customers. Here's a closer look at the major players, the rates they offer, and factors influencing the rates.

Top Competitors and Prices

  • State Farm: Widely recognized nationwide, State Farm offers comprehensive car insurance services. In Clarke County, they provide rates starting at $900 annually for basic coverage.
  • Geico: Another big player in the market, Geico offers rates starting at $860 for the same coverage in Clarke County.
  • Allstate: A consistent competitor, Allstate's rates start at around $930 for a basic package in this county.
  • Progressive: A popular choice for many, Progressive’s rates hover around $890 per annum for standard coverage.
  • USAA: Exclusive for military members and their families, USAA provides competitive rates starting at $850 annually.

Analysis on Quotes, Rates & Agents

  • Quotes: It's crucial for residents of Clarke County to get multiple quotes. Each insurer uses a unique algorithm to calculate premiums, and the difference between the highest and lowest quote can sometimes be significant. Hence, shopping around can potentially save hundreds of dollars.
  • Rates: The rates in Clarke County are influenced by various factors, both individual-specific and region-specific. Typically, rates are on par with the national average, but certain factors, such as the rate of vehicle thefts, can impact them.
  • Agents: Working with a local agent can be beneficial. They possess in-depth knowledge of the local conditions and can provide tailored advice. Many Clarke County residents have found value in consulting with local agents before making a decision.

Factors Influencing Insurance Rates in Clarke County

  • Driving Record: As in most places, a clean driving record can result in lower rates. Incidents like DUIs, accidents, and speeding tickets can cause a spike in premiums.
  • Vehicle Type: Luxury and sports cars typically have higher insurance costs compared to standard sedans or SUVs.
  • Location: Areas in Clarke County with higher traffic density or crime rates might have slightly elevated premiums.
  • Age & Gender: Younger drivers, especially males, often face higher insurance rates due to perceived risk.
  • Credit Score: Many insurance companies use credit scores as a predictor of risk, with lower scores leading to higher premiums.
  • Coverage Type: The scope and depth of coverage selected (liability, collision, comprehensive) will significantly influence rates.
  • Local Factors: Clarke County might experience specific trends, like an increase in vehicle thefts or accidents, influencing the rates.

Car insurance rates in Clarke County, AL, are shaped by a myriad of factors, both personal and regional. It's vital for consumers to be informed about these variables and to shop around, leveraging both online quotes and local agents, to ensure they get the best deal possible.

Factors that can influence the cost of car insurance in Clarke County, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Clarke County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Clarke County, AL with that of other cities in and around Clarke County.

Clarke County Fulton Leroy St. Stephens Thomasville Whatley
Average Insurance Rates $1,417 $1,378 $1,451 $1,908 $1,436 $1,406

Clarke County, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Clarke County, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Clarke County $1,534 $1,295
Whatley $1,448 $1,223
Jackson $1,695 $1,432
Grove Hill $1,039 $878
Fulton $1,879 $1,587
Thomasville $1,617 $1,366
St. Stephens $1,965 $1,660
Leroy $1,605 $1,355

Clarke County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Clarke County, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,598
20 Years $1,821
30 Years $1,402
40 Years $1,349
50 Years $1,249
60 Years $1,267
70 Years $1,475

Clarke County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Clarke County, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,494 $340
3 Vehicles $3,741 $510
4 Vehicles $4,988 $680

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$510

Savings on 4 Vehicles bundle:$680

Clarke County, AL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Clarke County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Clarke County $1,417 $2,512
Whatley $1,406 $2,493
Jackson $1,433 $2,541
Grove Hill $1,440 $2,553
Fulton $1,378 $2,443
Thomasville $1,436 $2,546
St. Stephens $1,908 $3,383
Leroy $1,451 $2,573

Clarke County, AL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,216
Excellent (740-799) $1,388
Good (670-739) $1,477
Average (580-669) $1,926
Poor (300-579) $2,311

Clarke County, AL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Rebecca Chastain Allstate 4413 N College Ave, Jackson, 36545 (251) 247-0717
Deas Insurance Agency Inc Travelers 197 South Jackson St , Grove Hill, 36451 None
West Alabama Insurance Llc Travelers 421C ALA AVE, THOMASVILLE, 36784 334-636-9626
John Brown State Farm 3921 N College Ave, Jackson, 36545-2026 251-246-0385
Bancorpsouth Insurance Services Inc Liberty Mutual Independent 1012 Douglas Ave Brewton, Atmore, 36426 None

Clarke County, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,479
Driver's Failure In Showing Documents +$137 $1,554
Driving With An Expired Registration +$146 $1,563
Driving At A Considerably Slow Pace +$307 $1,724
Using A Cellphone While Driving +$324 $1,741
Running A Red Light +$330 $1,747
Speeding +$347 $1,764
Driving A Vehicle Without The Required Permission +$441 $1,858
Driving With An Expired/Suspended License +$955 $2,372

Clarke County, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,360
Active Disabling Device $1,360
Tracking Device $1,332
Passive Disabling Device $1,318